RealEstateweeklyresidential • commercial • rentals • land/acreage

INSIDEThIS ISSuE

YoUr KeY to real estate in sKagit, snohomish, island and Whatcom coUnties

goskagit.com/reweekly A supplement to the Skagit Valley Herald and the Anacortes American

13781 Avon Allen RoAd, Mount veRnon $299,700Here it is! Custom built rambler in Perfect Skagit County Location. This home is in “Like New” condition and features an open floor plan designed for comfortable living. Home has over 2000 sq. ft, with 3 bedrooms and 2.25 baths. Other features include vaulted ceilings, skylights, large kitchen, walk in closet, huge utility/laundry room. The list goes on! Fenced back yard, RV parking, large private deck, 1/3 acre lot and the perfect country setting. Don’t miss this rare find in Avon. MLS#398916.

FeAtuRed ARtICle:

Mike Welling360-540-1341

Re/MAX territory nW320 S. Burlington Blvd.Burlington, WA360-755-9494www.SkagitvalleyRealestate.com

the “top toWn” CRoWn pAge 4

CRedIt SCoRe ConFuSIon pAge 6

BeIng A BetteR neIghBoR pAge 8

ClASSIFIedSpAgeS 10-11

NOVeMbeR 2 - NOVeMbeR 8tWentY-tWelveFRee

ItChIng to ReloCAte? Many homeowners eventually get the “grass is always greener on the other side” urge and dream of moving to a more favorable location – perhaps one that is less expensive or brimming with greater educational, social and job opportunities. (Continued on pg. 4)

2 November 2, 2012 Real estate Weekly goskagit.com/reweekly

Real Estate Weekly content sponsored by:Whidbey Island Bank

www.SkagitValleyRealEstate.com320 S Burlington Blvd • Burlington(360) 755-9494 • (800) 775-0153

Go to our website for a quick and easy way to search all listings!Territory NW

Wilma LouiaDesignated

Broker/Owner661-1631

RonVan Pelt333-1045

ElizabethDetillion708-8800

JimStransky708-1681

DebbieAllen

708-8780

IvanaWood

770-3550

KirkCampbell770-7470

MikeWelling540-1341

Charlie & Jeannie Boon

708-9645

StephRichardson206-229-2668

PeteMcDougall

708-6500

Sedro-Woolley $160,000Approx. 1332 sq. ft, 3 BR/1 ¾ BA. Rambler built in 1998. Spacious family room off kitchenSlider off family room to beautiful backyardLarge lot w/ lots of fruit trees & berries. 2 car attached garage. MLS #419456

Call Charlie, 708-1415, Jeannie, 708-9645

Jodi DynesProperty Mgt.

Division

Traci EricksonProperty Manager

391-2969

Jennifer AbstenProperty Mgt.

Division

NEW LIS

TING

Mount Vernon $259,950Beautiful custom home overlooking Big Lake. Over 2234 sq. ft. w/3 BR/2.5 BA. Located on just under a ½ acre, plenty of room for a shop. Large master suite includes a soaking tub. MLS#376112

Call Elizabeth, 708-8800

Burlington $199,000Over 1700 sq. ft.3 BR/1 BA home. Value is in the land. Prime location, right in town in the commercial area, M-1. Near City Hall, and the Fire Department. MLS#387073

Call Wilma, 661-1631

NEW LIS

TING

Lyman $349,900 Home on acreage w/2 shops. Gorgeous 3 BR, 2.5 BA home on 4+ acres w/2 outbuildings. Custom built in 1994 w/ Victorian touches. Huge deck w/ gazebo. Fenced pasture for animals. Over 2100 sq.ft. Must see! Only 25 minutes from I-5. MLS#338877

Call Debbie, 708-8780

BIG LAKE

Sedro-Woolley $390,000Spacious 4500+ sq. ft. home. 5 BR + 2 offi ces. 3 full BAs. Great entertaining open fl oor plan. Built in 2004. On private 5+ acres. MLS#389802

Call Charlie, 708-1415 or Jeannie, 708-9645

PRICE REDUCTION

La Conner $145,000Affordable fee simple in La Conner. 1680 sq ft 3 BR/2 BA mfg home on nice size lot. 24 X 36 shop w/hoist, compressor & woodstove Lots of parking. Snee-Oosh beach, boat ramp and amenities. MLS#366246

Call Ivana, 770-3550

REDUCED PRICE

Burlington $99,000Rare, nearly level .38 acre building site on Burlington Hill. This lot affords views of Mount Baker, and the lovely Skagit Valley. Bring plans for your dream home today! MLS#107191

Call Ron, (360) 333-1045

BREATHTAKING VIEWS

Stanwood $195,000This property is a MUST SEE! 40+ acres mostly fl at with a gentle slope. Large pond with lots of building locations. There is a gravel road through the property. Power at the street. MLS#325270

Call Kirk, 770-7470

• Custom Built Log Home features 3 BR/2 BA. Bright and open fl oor plan $1500 month

rent includes all utilities except propane. $1500 Security Deposit w/ 6 month lease

For Viewing InformationPlease Call 755-5555

RE/MAX Territory NWProperty

Management

ACERAGE

VACANT LAND

Sedro-Woolley $44,900Nice 26 acre country setting. Includes two 13 acre parcels. Property is partially cleared Pond, creek and wildlife near the building site. MLS#213602

Call Jim, 708-1681

A MUST SEE!

Mount Vernon - College Way and Urban Ave.Burlington - Burlington Blvd & E. George Hopper Rd.

Anacortes - 2202 Commercial Ave.Sedro-Woolley - 339 Ferry Street

To advertise in

or other Skagit Publishing publications, Call 360.416.2180 or E-mail ads@skagitads.com

View this publication online at www.goskagit.com/reweekly©Skagit Publishing LLC 2012 | All rights reserved.

All real estate advertised in Real Estate Weekly is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin,

or intention to make any such preference, limitation or discrimi-nation.” We will not knowingly accept any advertising which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

RealEstateweeklyFor further information call HUD

Toll Free at 1-800-669-9777.All Houses subject to prior chang-

es without notice. Neither advertisers nor Skagit Publishing are responsible for any errors in the ad copy. Skagit Publishing reserves the right to refuse any advertising, which we deem unsuitable for our publication.

Unless otherwise noted, all photographs, artwork and ad designs printed are the sole property of Skagit Publishing and may not be duplicated or reprinted without express written permission.

Skagit Publishing is not respon-sible for typographical or production errors or the accuracy of information provided by advertisers.

SKAGIT PUBLISHING

TABLE of CONTENTSThe “Top Town” Crown Pg. 4

Credit Score Confusion Pg. 6

Being A Better Neighbor Pg. 8

Classifieds Pg. 10

6Pg.

goskagit.com/reweekly Real estate Weekly November 2, 2012 3

STAT

50dELAyEd

gRATIfICATION

Percentage of non-homeowners who would cut back on dining out to save money for their dream home.

souRce: century 21 Real estate’s spring home buying survey by Harris Interactive

www.WindermereSkagit.comWindermere Real Estate/ Skagit Valley 1030 East College Way • Mount Vernon (360) 424-4901 • 1-800-849-7939

2610 E. SECTION ST., #106, MV $28,000Gated serene retirement community with lovely 2 bedrooms, 2 bath home. Spacious floor plan with carport & storage shed plus nice patio & private park-like back yard. Call Alice Hanson at 770-8791. #299022

12793 HEMLOCK ST., CL $129,500Well-cared for 3 bedroom home in the heart of Clear Lake. New carpet & paint. Well-designed floor plan, large utility & nice backyard. Carport area with add’l locked storage room. Call Jim Glackin at 428-2828. #414519

18653 BLACKBERRY LN, MV $169,000Enjoy beautiful views of Big Lake from a private covered deck or from the picture windows that surround this gorgeous 1760 sq.ft. home. Open floor plan with vaulted ceilings. Fully finished lower level. Call Linda Eastman at 202-4075. #275165

4520 SCOTT’S ALLEY, MV $172,000Immaculate picket-fenced 3 bedroom, 2 bath craftsman ram-bler on a premium corner lot which backs up to the greenbelt. Covered front & back trex porches, Hardie board siding & cus-tom maple cabinets. Call Karen Beckner at 840-9455. #400658

16792 STATE ROUTE 536, MV $184,900Lovely remodeled 1 story home with 3 bedrooms, 2 baths, built-in cabinets, pine floors, ceiling fans & gas fireplace. Plus large deck, raised beds, garden shed & 2 car detached garage. All in the country with Mt. Baker view. Call Alice Hanson at 770-8791. #372960

23079 BUCHANAN ST., CL $189,000A country feel with this 1 story home. 3 bedrooms, 1 updated bath, handicap accessible, spacious living room & kitchen. 3 car garage/shop & 220. All on 1.59 acres with fruit trees, par-tially wooded & pasture. Call Alice Hanson at 770-8791. #412787

2406 STONEBRIDGE WAY, MV $190,000Comfortable 2 bedroom condo in desirable Stonebridge Active Adult community. New floors thru-out living area, new gas range. Open living area with vaulted ceilings. Large master suite. Attached 2-car garage. Call Megan O’Bryan at 708-5817. #413642

14848 VALLEY VIEW DR., MV $224,900Remodeled 3 bedroom, 2.5 bath on .29 level acre open kitchen, huge western exposure deck off family room. Garden space, play area, quiet street. 1800+ sq.ft. Call Cindy Sullivan at 941-9443. #411233

1913 S. 18TH ST., MV $249,9002 homes for the price of 1! 1772 SF, 4 bedroom, 1.75 bath ram-bler on a huge lot that includes a 598 SF, 2 bedroom cottage. Strong rental history on cottage. Great location, development potential. Call Megan O’Bryan at 708-5817. #409732

21356 ROLLING RIDGE DR., SDW $285,000Meticulously maintained residence in the pristine Rolling Ridge neighborhood. Approx. 2800 sq.ft. of spacious living, on over 1/3 acre. Call Elizabeth Miller at 420-3607. #366212

7119 TYLER PL, STANWOOD $289,000Beautiful 2121 sq.ft., 2 story home with 4 bedrooms & 2.5 baths. Maple cabinets, tile, large master bedroom with 5 piece bath. Nicely landscaped, fully fenced back yard. Call Lee Ann Dean at 421-3082 or Karine Anderson at 421-1189. #388597

737 & 739 SAPP RD, SDW $299,0002 units; MIL apt in one unit & both units have separate access from lower floor. Open floor plans setup for main floor living. 2-car garages with shop space, carports, RV parking. Fenced back yards with lrg decks. Call Linda Eastman at 202-4075. #376557

13 MADRONA ESTATES, CYPRESS ISLAND $299,950Rare opportunity to own in the Strawberry Bay community of Cypress Island. Incredible views & common interest in the sandy beach. Charming cabin with 3 bedrooms; powered by solar, propane. More photos & info. at SkagitValleyHomes.com. Call Bill & Jannette Krieger at 421-4446. #380538

21737 STERLING DR., SDW $327,9001-level home on 1 acre, 4 bedrooms, den, living & family rooms, formal dining, 2 fireplaces, 3 baths. Court yard with hot tub, tennis court, 2 car attached garage, detached shop & large outbuilding. Call Linda Eastman at 202-4075. #266058

17311 W. BIG LAKE BLVD., BIG LAKE $529,900WATERFRONT ESTATE with 1+ acre on Big Lake. Full view of the lake, 3 RV pads with hook-ups. 3 stall dressing building. 2 decks & 2 docks. 1400+ SF with 2 bedrooms & 2 baths. Call Linda Eastman at 202-4075. #112580

9690 SAMISH ISLAND RD, BOW$2, $450,000Custom 6550 SF, 4 bedroom beachfront home on Padilla Bay. Slab granite in kitchen with wrap-around bar, Viking appli-ances. Media, exercise & family/game rooms. 4 car garage with car lift. Covered patio & moorage buoy. Clam, crab & fish. Call Warren Bingham at 770-2421. #395055

4220 MONTGOMERY PL, MV $459,900Beautiful custom residence in Park Crest. Approx. 3218 sq.ft., on over 1/3 acre. 5 bedrooms, 3.75 baths. Full attached 1 bed/1.5 bath MIL with garage & private entry. Call Elizabeth Miller at 420-3607. #363599

12485 PERSONS RD., BOW $924,000Bow property with expansive views of Padilla Bay & islands. 2007 NW Craftsman custom-built home features superior design & attention to detail. Cedar exterior, walnut flooring, in-floor heating & more. Area pastured for animals plus forested acreage. Separate MIL apartment. Call Jim Glackin at 428-2828. #359150

4 November 2, 2012 Real estate Weekly goskagit.com/reweekly

By ERIK J. MARTINCTW Features

Itching to relocate? Many homeowners eventually get the “grass is always greener on the other side” urge and dream of moving to a more favorable location – perhaps one that

is less expensive or brimming with greater educational, social and job opportunities.

Catering to this demographic, many organizations publish “best places to live” lists that crunch the numbers for you and rank cities and states according to desirability factors, such as affordability. Two recent examples are the Council for Community and Economic Research’s second-quarter 2012 list of the least expensive urban areas to live. It indexes the cost of living in 300 cities across the country. Plus, Money magazine released its list of America’s best small cities.

But before you put up that “for sale” sign and start packing your bags for Harlingen, Texas (no. 1 on CCER’s list) or Carmel, Ind. (tops on Money magazine’s list), a greater degree of due diligence is required, the experts say.

“The lists are a great starting point, but knowing why you are moving – not where – is by far the most important factor,” says Brian Coester, CEO of appraisal management company Coester VMS in Rockville, Md.

In fact, the list may make it more difficult to choose, Coester says: “There is actually a danger to over-relying on lists of ‘best places.’ While they provide a valuable resource, these lists don’t tell the entire story, such as whether your

style of living will fit with what a particular city has to offer.”Ted Stimpson, president and CEO of online moving resource

MyMove.com, agrees. “Today, people contemplating moving have much better access to information than at any other time in history,” he says. “This is due to the Internet and multiple data aggregation sites. The problem becomes too much data. The key is to whittle down the onslaught of information on your new area into the things that really matter to you.”

Impressive words and numbers only tell part of the story, Coester says. He recommends making several vetting visits to a preferred city before uprooting and suffering mover’s remorse.

“Many places look good on paper or when you’re just driving through town,” he says, “but living there is very different.”

Tanya Marchiol, CEO of real estate investment firm Team Investments in Phoenix, says it’s also crucial to get feedback and guidance from others.

“It is imperative you have a good real estate professional on your side. These [lists] are important for research and educating oneself, but do not use them solely as fact,” Marchiol says.

Stimpson further cautions against interpreting such lists as gospel: “In fact, there are great places within the worst-ranked cities on the national lists, as well as terrible areas on the best-ranked cities lists.”

Especially in today’s economy, choosing a town that offers greater potential for employment is a must, Coester says.

The “Top Town” CrownHow “best city” lists

should factor into your decision to relocate

goskagit.com/reweekly Real estate Weekly November 2, 2012 5

Brown McMillen Real Estate 360.757.6013800.869.7084

Galen Kindred 770-7083Dick Best 770-1491Shelah Inman 661-0145Fritz Inman 661-0147Jan Scally 421-5160

Jeff Ingman 202-2859Phil Hurtig 770-0787Mary Jo Reitsma 770-6013 Tim Reichert 391-5587Tod LeHecka 333-1032

Holly Hilts 661-5538Terri Heyntsen 391-0938Ron Wortham 661-1500

Evening Phone Calls Welcome

PLEASANT RIDGE… 27 acres w/ 380 feet of Riverfront & historic 5 BR home used as a Bed & Breakfast Inn. $795,000. #372578IN TOWN ACREAGE… 2.73 level & cleared acres close to all the action in town of Concrete. $86,400. #359855CRAFTSMAN STYLE… w/covered porch, 2+BR, 1.5 Ba. Approx 1600 sf. Pergo flooring in Liv/Dining rooms. Lg rec rm w/woodstove. $119,900. #368858BORDERING STATE LAND… Lovely 20 ac. Mostly pasture surrounded by forest,north of Burlington, well power & driveway in. $259,500. #336159NEW PARK MODEL HOME… views of Padilla Bay . Covered front porch, blt-in hutch, blinds thruout. Lots of light . 55+ park. $42,500. #61691160FT W/FRONT!… low bank on east side of Big Lake. 1 1/3 ac site, private, ready for new home. 2 small rentals, several outbuildings incl. a saloon & gazebo. $695,000 #386044

235 W. Rio Vista Avenue, Burlingtonwww.brownmcmi l l en .com

SHARP RAMBLER… newer kitchen, new roof, granite counters, French doors to family room, private back-yard. $215,000. #406538SHARP MFG HOME… open floor plan, vaulted ceiling, spacious great room + office/den. Quiet newer park. $29,900. #406427DOUBLE YOUR PLEASURE… 10.7 acres on Pleasant Ridge has an elevated bldg. site to enjoy views & slopes down to level farmland. $259,500.#289980GREAT OPPORTUNITY… level piece of land in the city, zoned multi-family, 3 one story units can be built. Utilities available. $315,000. #208598SPECTACULAR VIEWS… of Similk Bay & beyond. over 1 acre, water, power in street, desirable location $175,000. #280881UNDER CONSTRUCTION… classy 2138sf Rambler being built by Lega-cy Homebuilders in quiet MV setting. $329,500. #366617

NORTHWEST CRAFTSMAN… 55 yrs or better. 3 Br, 2.5 Ba,open floor plan,formal dining, covered patio/out-door frpl. $350,000. #4122022 ACRE LOTS… 2 parcels ready for your new home. Each is 2 acres w/nice territorial views and municipal water available. $110,000 #45359DAY CREEK PARCEL.… 6.42 level acres, some mature trees, seasonal stream, ex-cellent bldg site Power in street, some soil work done for septic $40,000. #368056COZY TIMBER FRAME… 3 Br, 2 Ba cabin at Glacier. Gated community, X country skiing, summer hiking, all new kitchen+ lots more. $255,000. #3942475+ ACRES… & 2 homes 40.5’ x 24.5’ garage/shop. Huge patio, sev-eral outbuildings, beautifully updated. $379,950. #393236RIDERS WANTED… 18 ac on power-line easement,miles of trails. Certified bldg site w/well. $109,500. #310899

AMERICAN DREAM REAL ESTATE SERVICES, INC.

“Fulfi lling Northwest Family Dreams”Anacortes Offi ce

1202 Commercial Ave Anacortes, WA360-588-1515 • adrhomes.net

Mount Vernon Offi ce2788 E College Way Mount Vernon, WA

360-416-6500 • adrskagit.com

www.adrhomes.netLike American Dream Real Estate Mount Vernon

Equestrian Property#313691 • $469,900

Level 8.96 acs w/fenced pastures in great location. Home has new carpet/windows/furnace, newer roofs, fresh int paint, updated baths. Kitch w/new cabinets, granite counters, s/s applcs, brkfst bar. Open fl r plan. 3 car shop w/1 RV door & loft, 6 stall barn w/tac rm & covered RV/boat spaces, 6 run dog kennel/bldg, fruit trees, garden sp, + 2 BR manuf hm, 3 car gar. Zoned open space.

Great Location#406965 • $149,950

Charming 3 bedroom home. This located near the hospital and schools and just minutes from I-5 this affordable is ready for new owners. Terrifi c lot with a nice back yard. A little personal TLC will go a long way with this house don’t miss out!

Little Mountain#316627 • $22,000

This is a very outstanding home in one of Washington’s fi nest retirement communities. Large open fl oor plan features 3 bedrooms, 2 full baths (one in master bedroom) large living room family room and 1 car garage.

Trumpeter Neighborhood#348048 • $195,000

Wonderful 4 bedroom, 1 3/4 bath house sits on a quiet cul-de-sac and features a fully fenced backyard with fruit trees and raised bed garden and deck for entertaining. Terrifi c location near schools, shops and minutes from I-5, don’t miss this great home!

Huge corner lot#406905 • $380,000

Perfect 2,300+sqft. home w/oriental setting, 80ft natural pond & par pit over pond. Many built-ins throughout. Oversized 2 car gar w/shop. Open fl oor plan w/living rm looking out at pond. Exotic landscape w/several rare trees. Original wood gutters, slate fl rs. Huge mstr w/ dressing rm closet, shoji screen sliders. Stone & Copper fplace face.

Shelter Bay Community#417170 • $133,700

Charming 3Bd, 1.75Ba low maint home w/ lg walk in closets, storage, new wood fl oors, carpet & pellet stove that heats the entire home. Sit back & relax on one of the two lg window seats. Take in nature & wildlife from the lg inviting open deck above the garage. Come see what this home has to offer.

The Short List

“Most cities are similar in that they have some recreation, nightlife, social

life and family events, but not every area has the same job opportunities,” says Brian Coester, appraisal expert.

“What makes a city a great place to live depends on whether people can afford

to live there comfortably.”

Other criteria to carefully consider when picking a new area of residence include:✔ Climate and weather patterns✔ Quality of and location from local public or private schools✔ Population density✔ Crime rate✔ Ease of transportation and job commute time✔ Property and sales taxes✔ Availability of social, cultural and athletic programs and facilities✔ State of the resale housing market.

6 November 2, 2012 Real estate Weekly goskagit.com/reweekly

$

By Erik J. MartinCTW Features

Smart borrowers know to check their credit scores before applying for a home mortgage loan. But what if that score was unreliable? What if the scores that consumers can acquire

from major credit bureaus or sites like Quizzle.com were different than the ones used by lenders?

The results of a new study conducted by the Consumer Financial Protection Bureau and involving 200,000 credit files from the three primary credit bureaus (Experian, TransUnion and Equifax) suggest that this is true for many borrowers. About “one out of five consumers would likely receive a meaningfully different score than would a lender,” according to the study.

According to the CFPB, the formulas employed to produce credit scores not only differ from one company to the next, but disparities

can occur within the same company. For example, FICO, the most oft-used score, has more than 49 different credit scoring models available to lenders.

This discrepancy can have a negative impact on borrowers. Consumers who think their credit scores are higher than that determined by a lender can make inappropriate purchasing decisions or apply for credit cards for which they’re not qualified.

On the other hand, those who think their scores are too low may decide not to apply for credit or may pursue credit offers with unfavorable terms or higher rates than they need to pay.

Joe Chatham, president of Chatham Mortgage Partners, Westlake Village, Calif., says that while the credit score issue is confusing, understanding how the three credit bureaus use these numbers helps explain the score discrepancies.

“Each credit bureau has a different scoring model because each has different data, depending on subscribers and organizations

Credit Score ConfusionThink you’ve got a solid score? Lenders may have different numbers on you

$ $

goskagit.com/reweekly Real estate Weekly November 2, 2012 7

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Anita Kohl 961-7795Dawn Hardman 540-0058Diane Weyer 424-2100Duane Gish 770-9299Dominic Pettruzzelli 333-5210George Herner 840-3743

Jackie Lindeman 770-9080Jeff Dowrey 661-2161 Karl Morse 395-5405Lisa Wondoloski 443-975-9426Lorie Groth 425-422-7145Margie Ernst 708-3198

Marlene Deasy 661-6720Megan Daly 206-383-4407Mike Newman 708-1419Noli Goode 630-6527Paula Margerum 220-0681 Rick Kiesser 770-1195

Sandi Hocking 708-1523Sandi Riley 770-8670Sharon Stokes 661-6164Tamara Cooper 630-9127Traci Cypher 708-9481 Veronica Lopez 420-0696

North Homes Realty Inc.360.424.2100 • www.century21northhomes.com

SMARTER. BOLDER. FASTER.

$25,000 MLS#419186• Wheelchair access • Cozy family room• 55+ community • Many updates

SOLD$179,000 • Large fenced lot • Attractive 3 BR • Great location • Mature landscaping

REAL ESTATE CLASSES STARTING NOW!

CALL SCOTT 360-540-2121

$189,000 MLS#205974• Water view • 2 bdrms, lg rec rm • Gated community • Private

$248,900 MLS#294946 • Shy ½ acre • Huge family room • 720 sf shop • Over 2300 sf

$384,500 MLS#296437• 5 Mtn view acres • Huge shop• 2678 sq ft • Loaded with extras

$294,500 MLS#302054• Commercial Zoning • Lots of parking• Approx. 1/3 acre • 2 bdrm 1.5 bth$220,000 MLS#306633• Riverfront retreat • Private 4+ acres • Huge family rm • Garage + shop

$274,950 MLS#329978• RV parking • Lots of extras • Great location • New paint

$75,000 MLS#370392 • 3 bdrm + den • 28x30 shop• Fully fenced • West Camano Island

$214,945 MLS#409216 • Move in ready • 24x24 shop• Lovely rambler • Attached garage

$189,000 MLS#352925• Lg fully fenced yard • New appliances • 3 bedrooms, RV parking

VALLEY HOMES823 N. 4th St., Mount Vernon

(360) 424-7166

Visit our website at buyingvalleyhomes.com

Call or email us today atremaxvalley@comcast.net

Property Management Services / Rental Listings Available (360) 424-3198

3610 Mohawk Ct., Mount VernonNice 4 bedroom, 2 full bath home on large lot with fruit & nut trees & ample yard space. Kitchen has beautiful oak cabinets, open floor plan to dining & living room plus huge rec room. Access the deck from the master or living room. Master has separate shower, large soaking tub and double sinks.Call Becky Elde 360-770-9427

MLS #391322 $299,500

710 W Lincoln St., Mount VernonInvestment opportunity. 11880 sq. ft. R-3 zoned lots w/2 homes priced to sell. Natural gas heat. Zoning allows for multi-family and some businesses. Don't miss out on this opportunity. Parcel #P54820 and #P54816Call Laura Bird 360-630-9692

MLS #414997 $140,000

41610 Cape Horn Dr., Concrete One of the best spots for Eagle viewing and watching the wildlife on the other side of the river from the back porch. 2 additional salable parcels P62911 & 62912 potential to build. Lots are good for RV use. Park & boat launch nearby.Call Jim Nicholas 360-708-9379

MLS #350417 $112,000

1050 Sinclair Way, Burlington, WA 98233 55 & better community of The Cedars in Burlington. Open floor plan Large rooms, 2 bedrooms, each w/it's own bathroom. There is a garage & RV parking. Homeowner dues include Cable TV, free use of clubhouse, exterior building insurance, building maintenance, and lawn & yard care.Call Laura Bird 360-630-9692

MLS #287212 $125,995

23228 Howey Access Rd., Sedro-WoolleySpacious rambler with large deck, outbuildings & pasture on 2.5 acres. Land is leased from DNR & have been willing to lease more than 2.5 acres if new owners desire more acreage. Family & living room looks to the south with nice view of mountains & fields beyond. Very private setting just off the S. Skagit Highway. Lease is $4,200.00 per year.Call Becky Elde 360-770-9427

MLS #418177 $135,000

551 Ruby Peak Ave., Mount VernonVery nice 2006 home with 3 bedrooms, 2.5 bathrooms, kitchen with large dining space, living room & utility room with attached 2-car garage. Fully fenced backyard that has a greenbelt for added privacy.Call Jim Nicholas 360-708-9379

MLS #413945 $175,100

that choose to report to them,” Chatham says. “Thus, depending on which [FICO] score the lender uses to qualify a borrower, that borrower may be subject to different mortgage pricing models. And the consumer scores that people pay to see via subscription or purchase are not the same ones that lenders use. Most lenders will pull all three models and use the middle score of the borrower to qualify.”

While many lenders use FICO scores to make lending decisions, “each lender has its own strategy, including the level of risk it finds acceptable for a given credit product,” says David Mays, mortgage lending director with Renasant Bank, Birmingham, Ala. “There is no single cutoff score used by all lenders, and there are many additional factors that lenders use to determine your actual interest rates.”

While it’s important to know that score variations exist, Chatham says there’s little that consumers can do about it, besides annually monitoring and clearing up inaccuracies in their credit reports and building a good credit history by making on-time payments and reducing the amount of debt owed.

“Lenders are not going to change the models they use. If consumers want to shop a loan based on a concern that the lenders will use different scoring models, they can call and ask which models the lender uses and shop those lenders who use different models,” Chatham says. “However, they may hurt some overlapping scores because of multiple inquiries.”

Like the CFPB, Mays recommends comparing loan offers from multiple sources.

“It’s always wise to shop around with different lenders for the best rates and terms because different lenders have different appetites to lend,” Mays says. “Also, some lenders use different scoring models and some don’t pull [scores from] all three bureaus, which would give the borrower the benefit of a higher FICO score with another bureau.”

When shopping loans, be sure to carefully compare the interest rate and annual percentage rate, the monthly payment and all closing costs and fees (including points, origination fees, charges for title and appraisal, etc.), experts say. Ask for a good-faith estimate and a clarification of any items you don’t understand within it.$

8 November 2, 2012 Real estate Weekly goskagit.com/reweekly

OPEN HOUSES & SHOWCASES

12831 Eagle Drive, Burlington $399,000

Golfer’s Paradise!Immaculate, gorgeous custom built home on the 13th Tee. Wonderful golf course view! This is truly unique home with nearly every amenity imaginable. 4 bedrooms, 2.75 baths, 3,540 square feet. Top quality flooring throughout main level. Beautiful kitchen with travertine counters, subzero fridge, tons of cabinets, eating bar and brand new stainless steel appliances. MLS#402836

OPEN HOUSE Sunday, Nov. 4, 11am - 1pmLocated on the 13th Tee of Skagit Golf and

Country Club.

Hosted by Tracy Peterson-Nienaber, Windermere Real Estate(360) 510-2554 Whatcom, Inc.

Some people believe that good fences make good neighbors, but as a new study shows, it’s actually homeowners who make good neighbors.

Homeowners are more likely to be involved in neighborhood groups than renters, according to researchers at the University of North Carolina at Chapel Hill. The study followed 2,215 middle- to low-income people for four years to determine whether there is a causal relationship between homeownership and civic engagement.

Since policy interventions often promote and reward homeownership, re-searchers sought to understand the social effects of homeownership.

“Within a year of buying the home, we saw a large spike in civic engagement,” says Kim Manturuk, one author of the report, which was published in Urban Af-fairs Review. This increase (measured by participation in neighborhood groups and informal socializing with neighbors) occurred for new homeowners who, before they purchased homes, were no more or less involved than their fellow renters.

Also, while renters who planned on moving locations were less involved than renters who stayed put, this was not the case for homeowners.

In fact, “homeowners who moved had a jump in civic engagement,” Manturuk says, “so they found it was a way to re-settle... and develop ties in the commu-nity.”

As for homeowners who went back to renting, their participation levels fell once they sold their homes.

Results were controlled for other relevant factors, like race, education and gender. Manturuk says the results can be applied to the lower income population at large, since their study group mirrors the demographics of the current popula-tion survey.

The researchers hope this new data will encourage policies aimed at foreclo-sure prevention, because “they can help more than just financially – they can be beneficial on the community level as well,” Manturuk says.

Being a Better neighBor

A new study shows that homeownership could cause more civic engagement in middle- to low-income communities

goskagit.com/reweekly Real estate Weekly November 2, 2012 9

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CALL FOR DETAILS!360-856-6652

Studios, $525. M.V.1 and 2 bdrm apts.

2 bdrm townhouses, S.W.

Big one bdrm for $550in MV. Great location.

360-336-5412/425-387-6483

1 bdrm, MV, safe & quiet, 1level, near hospital. Corner of16th & Skagit. $690. W/S/Gpd. 360-652-6560

Cute downtown studios,on bus line. Great MVlocation $600-$650.ASK ABOUT OUR

MOVE IN SPECIAL!360-941-6986

MOVE IN SPECIALFairhaven Manor 757-2149

Norris Place 757-30602 & 3 Bdrm Apts. W/S/G pd.

Great location, some restric-tion apply. Call or stop in to-day.MV 512 s. 20th, 2 bdrm, 2 ba,garage, W/D, $800. 1010 S.16th, 2 bdrm, 1 ba, garage,$750. 424-6974

Cute 1 bdrm apt. in M.V. Nosmoking/pets. $590 + dep.Avail. now. 360-420-0988

1ST MO. FREE! 1, 2 & 3bdrm, MV, near college, on-site laundry, reserved park-ing. W/S/G pd. Qualify today!Move in tomorrow! 428-3887

SENIOR LIVINGOpen House Oct 31, 11-4.Free Rent. No App Fee.Move-In Gift Card. 1000Vintage Ln MV. 848-8533.

WOODLAND APTS1, 2 & 3 Bdrm Apts

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Complete Appliance PkgsSport Courts / Playgrounds

Pet FriendlyCall Today! 360-856-4803

MV, Eaglemont, 4 Bdrm, 2 ½Ba, 3 car garage, avail. Nov.15, $2,200. 360-941-7188

1 bdrm lakehouse for rent.$1,200/mo Avail Nov. 1.

Call 360-488-6206

Newer 3 Bdrm, 2 Ba, on pri-vate street, garage, applcs.,close to shopping & park,$1400/mo. 360-661-6674

3 BDRM, 2 BA homes avail.in MV. (360)391-3268

www.previewskagit.com/

Quiet country cottage, 2Bdrm, 1 Ba, garage, gardenarea, W/G & yard maint. incl.$1250/mo., 1st & last, monthto month, references. 360-424-0407

RENT TO OWN - Big LakeCute country 2 bdrm, 2 ba,large garden, fruit trees,workshop & more. $1375.www.skagitsolutions.com

360-420-0606

RENT TO OWN3 bdrm, 2 ba, split level,quiet MV neighborhood,great starter home, $1400.www.skagitsolutions.com

360-420-0606

1 - 4 Bdrm Rentals.Piazza Realty Property

Mgmt., Inc. 360-424-RENT(7368) www.prpmrentals.com

2 bdrm, 1 ba, cozy, wellmaintained house for rentinS.W., single car garage, extrastorage, garbage disp., D/W,gas frplc., $895/mo., $850/dep. Call Piazza Realty, Prop-erty Mgmt 360-424-7368

RENTALSHouses & Apartments.

See our listings atwww.skagitrentals.comRemax Property Mgmt.

823 N. 4th, Mount Vernon360-424-3198

2 Bdrm, 1 ½ Ba, gas heat,W/D hook-up, garage, $795.Avail. Nov. 1st. 1000-A Ster-ling St., S.W. 425-773-0573

Well kept 2 bdrm homew/utility rm hookup, fencedback yd, attached single cargarage, on dead end cul desac. $900/mo., 1st, last, $500damage dep. No smoke/pets.12 month lease. Burlington.Call 360-391-8583

S-W, large 3 Bdrm, 1 ½ Ba,completely remodeled, large2 car garage, huge yard, nopets, no smoking. $1300/mo.360-708-8665.

Burl., 1076 Andis Rd., 2Bdrm, 1 Ba, gas heat,garage, W/D, yard, $850 mo.,$500 dep. 360-424-6974

MV 4-plex, 608 N. 1st St., 2bdrm, 1 ba, gas heat, porch,off street parking centrallaundry, $750/mo. $500/dep.360-424-6974

MV near college, TV & inter-net, $400/mo. $100/dep. 360-424-6974

Energy Efficient S.W. 1400+sf. 3 bdrm, 2.5 ba, all applcs,garage, $975. 360-708-0362

1 bdrm in Burl. carport, nat-ural gas heat, utility room,$750/mo. W/S pd. $600/damage. No pets. 856-6878

1 bdrm in Burl. carport, nat-ural gas heat, utility room,$750/mo. W/S pd. $600/damage. No pets. 856-6878 Burlington Business Park,

warehouse/office combo,4,060 sq. ft. warehouse,1,066 sq. ft. office, 600 sq. ft.mezzanines, loading dock.Call Al Brown, 360-770-9877

$400/mo. Ladies 55 yrs orolder. All utilities paid. Clean.Safe. Central location, closeto downtown Sedro-Woolley,bus stop, across from SeniorCenter. Very large home,beautifully furnished. Must beseen to be appreciated. Nopets. 360-770-9449

Odd Fellows Park on Ca-mano Island is avail. for rent.Over 2,000 sf. w/commercialkitchen, parking for up to 50vehicles. Great for weddings,reunions, parties and othergatherings. For more info. callRon at 360-387-4737.

1994 FLEETWOOD28' X 56'

Located 14895 BeaverLake Rd., MV. 3 bdrm, 2ba, $12,000 obo. Mustmove. Call Mike 360-941-3597

Open Sat. November 3rdfrom 1:00pm to 4:00pm

4239 Blank RoadSedro-Woolley

5 large bdrms, 3 full ba,3,240 sf with a large circu-lar drive on 5.02 acres sur-rounded by forest and anice stream. Huge mastersuite with 5 piece bath andlarge walk-in closet. Greatkitchen with stainless ap-plcs, oak cabinets, andnew countertops. Most ap-plcs. stay including Maytagstacked front-loading Laun-dry machines. Forced airheat 2 fireplaces. MLS#412544. $349,950. PreviewProperties Skagit, LLC -Bill Sauneuf (360) 708-2929

We specialize in sellingManufactured Homes inparks. We also re-locatethem along with site prepa-ration, with financing avail-able up to 20 years old.

Manufactured HousingResource, 360-855-2214

RENT TO OWN3 bdrm, 2 ba, split level,quiet neighborhood, greatstarter home, $1400.www.skagitsolutions.com

360-420-0606

Marvelous home for en-tertaining in "Old Town"Anacortes. Views ofGuemes Channel; Approx.2266 sq. ft., 4 bdrm, 2 ¾baths; Wolf cooktop, Sub-zero refrig, Fine Wood oakcabinets with granite; 4landscaped lots on cornerwith paved alley; Must seeto appreciate. Appoint-ments only. 2102 10thStreet, Anacortes $639,000(360) 293-5409 or (360)770-4334.

goskagit.com/reweekly Real estate Weekly November 2, 2012 11REAL ESTATE WEEKLY goskagit.com/reweekly November 2, 2012 - 11

YOUR CUSTOMERS WANT TO KNOW YOU’RE GOING TO BE THERE

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WHY ADVERTISE IN THE SKAGIT VALLEY HERALD?

You should be advertising in these tough economic times.

To advertise in the most powerful local media available, call us at 360.424.3251

Historic Craftsman1216 S. 3rd, Mount Vernon1/3 acre, updated & move-in ready. 3 BDRM w/walk-in closets (master has 2),office & gourmet kitchenw/granite counters, stonebacksplash, custom fircabinets, dual-fuel stovew/double ovens, DW &large pantry. Hardwoodplus tile & laminate. Large,fully-fenced backyardw/patio, RV parking Unfin-ished attached back porch& approx 300 sq ft storagebuilding, detached 144 sqft stick-built shed w/1/2loft. By appt only: Tim360.941.6085. www.for-salebyowner.com, listing#23927266. $209,900

$22,000Sedro-Woolley, near town.Well cared for 1995 Sky-line, 1296 sq. ft., 3 bdrm, 2ba in modern all age park.Home features include:breakfast nook, very wellinsulated, cozy semi se-cluded back yard, storageshed, all appliances stay,reasonable lot rent. W/G in-cluded. Financing availablewith 10% down (OAC).

Call for private showing,425-327-9015

Towne Or CountryReal Estate Inc.

Neat and tidy inside andout in this 4 bedroom, 2 ½bath home. Master bed-room with a full bath andwalk-in closet. Scenicmountain views from thespacious deck! Attached 2car garage, fenced backyard, nicely landscaped.Close to walking/bike trails.All appliances included!$189,950. MLS#279134

For an appointment to viewcall: Jan Scally, 421-5160,

Brown McMillenReal Estate

RENT-TO-OWN thisBRAND NEW certified builtgreen 3 bedrooms 2 bathhome in Sedro-Woolley.Enjoy lower utility bills anda small easily maintainedlandscape. Some of themany green built featuresinclude easy to clean ce-ramic tile and cork flooring,low flow dual flush toiletsand a high efficiency natu-ral gas furnace. For moreinformation visit our web-site at skagitsolutions.com

RANCH RAMBLER27930 Hoehn Road,

Sedro-Woolley32 LEVEL ACRES

$369,000

New price for custom built3 bdrm, 2 ½ ba w/familyroom off kitchen, diningroom overlooks privatebackyard, fresh interiorpaint, oversized 2 cargarage, circular drive.Acreage suitable for farm-ing or livestock, some mar-ketable timber. Possiblelease option to buy.

MLS 202725425-985-9643Terry Smiley

Champions Real Estate

RENT TO OWNCute country 2 bdrm, 2 ba,large garden, fruit trees,workshop & more. $1375.www.skagitsolutions.com

360-420-0606

TWO HOMES ON 5.32PARK-LIKE ACRES!

Everything has been updat-ed inside and out! Mainhouse has 3 bdrms, 1 ¾baths, brand new kitchenwith granite and built-ins,laminate flooring, vaultedceilings, crown moldingand many more upgrades!Detached 40' X 24'garage/shop. Huge patio,beautiful landscaping,walking trails & charmingplay house with loft. Cozyaccessory dwelling has at-tached garage/shop, 1 ½baths. $379,950. MLS #393236. Contact Jan Scally@ 360.421.5160 for an ap-pointment to view.

Brown-McMillenReal Estate

CONCRETE AREAFull acre with 30' X 36'shop and a well built, mod-ern 1999 Skyline mfg.home, 1,300 sq ft. 3 bed-room and 2 bath. Locatedin no flood area. Home fea-tures cement siding, 2" X6" ext. walls w/ vinyl win-dows and a large island inthe kitchen. Shop has 100amp breaker box and woodstove and small office withseparate entrance. Brandnew drill well. All this foronly $114,900, Great inter-est rates available with 31/2% down! (O.A.C.).

Call 425-327-9015 Towne or Country R.E.

Inc.

360.424.0300 or 800.697.4118

www.skagittraditionrealty.com

3780 E. College Way, Mount Vernon

1520 MEADOWLARK LANE, MOUNT VERNON $375,000

4500 SQ. FT. CUSTOM HOME. Beautiful, spacious, striking custom design by Ladies Home Journal architectural editor. Many, many custom built ins; with each room a generous size. Three bedrooms, yet two family rooms, a den; each which could provide additional bedrooms. Two natural gas log fi replaces. Lots of light! One steps out onto expansive decking with beautiful views of the estate. SUBJECT TO BOUNDARY LINE ADJUSTMENT. 2+ additional acres available. MLS#347359

906 WARREN ST. MOUNT VERNON $675/MO.

Quaint, energy effi cient 2 bedroom home with beautiful Master Gardener yard, located on the hill in Mount Vernon. Rent of only $675 per month includes sewer and garbage. Other utilities combine for a low average payment of $84!! Deposit is equal to one month rent, there is a $45 per adult background fee.

Danya Wolf360-708-8294

2548 MACKENZIE RD, GOOSEBERRY POINT

$205,000Beautiful 4 BDRM home with saltwater view & beach access. Large fenced backyard w/brick patio, hot tub, fi re pit, 9 fruit trees, raspberries, strawberries, garden area & large evergreens. Master bedroom w/retreat & deck that overlooks scenic Hale’s passage. MLS#412892

Danya Wolf360-708-8294

2905 TIMOTHY PLACE, MOUNT VERNON $145,950

Creative Financing. Just across the street from Bakerview Park. All appliances included. The home boasts brand new carpet and paint in all 3 bedrooms, living, dining and bonus room. Master has a full size bath. The other 2 bedrooms and 2nd bath are located at the opposite end of home from the master. Fenced yard and off-street parking. MLS#362042

Sandy Everett360-202-3706

23191 STATE ROUTE 9, MOUNT VERNON $489,000

Trade for home in town. Dock and boat launch. 75 feet of Lake McMurray waterfront. 726 sq.ft. garage and lots of parking. Text T156296 to 85377 or scan QR Code (sign) to view details on smart phone. MLS#236420

Danya Wolf360-708-8294

2600 E DIVISION ST #73, MOUNT VERNON $19,900

3 BDRM single wide Kit manufactured home with lovely cabinets, kitchen appliances; and laminate fl ooring. Beautifully decorated and maintained. Lots of built ins and storage. Carpeted bedrooms. Covered porch & deck. Vinyl windows. Open & bright. Space rent includes sewer, garbage, tv cable, and carport with storage building with electricity and light. 55+ park. MLS#337840

Danya Wolf360-708-8294

1508 LINDSAY LP #105, MOUNT VERNON $215,000

Beautiful Condo 2 bedrooms plus a den. 2 bath rooms, Granite counter tops, vaulted ceilings, large tile master shower, Great fl oor plan. All on one fl oor with no steps. 2 car garage woth auto opener. Must see this one. MLS#394504 JoAnn Boudreau

360-391-0746

XXX OERTEL DR, BLAINE $399,900

Beautiful low bank 50’ waterfront lot. Spectacular sunsets and views of the Straits of Georgia and White Rock. Great crabbing and clamming. Just the place for your dream home on Semiahmoo Bay. MLS#375264 Suzanne Jenkins

360-941-2983

14833 MOUNTAIN VIEW LANE, CONCRETE $38,000

If you like beautiful mtn. scenery & enjoy lots of great outdoor activities,you will love these 2 lots in the Sauk River Estates at the gateway to the High Cascades near the North Cascade Hwy. It’s also a great place to relax around the BBQ while viewing the peaceful mtns. These lots are a very short distance from scenic Sauk River & all its beauty. Lots certifi ed to build in 2003 & there is water & septic system on the property. Water quality is said to be some of the best by some of the residents. MLS#412710

Richard Dickman360-420-3155

2906 BAKERVIEW PLACE, MOUNT VERNON $149,000

Across street from Bakerview Park. Convenient SKAT and school bus stop on corner of North 30th and Bakerview. Nicely maintained Skyline doublewide manufactured home with vaulted ceilings, lots of light; spacious rooms; island kitchen with a multitude of cabinetry and breakfast bar; separate utility room; generous sized double garage attached. Fenced yard with patio. Currently using Satellite Dish (leased).Security alarm is $39.99 a month (optional). Energy effi cient (reasonable heating bills). MLS#171397

Danya Wolf360-708-8294

Suzanne Jenkins360-941-2983

1601 N WAUGH RD, MOUNT VERNON $450,000

Two fourplex tracts for $150,000 ea & one fi ve plex tract for $175,000. Building permit ready for thirteen (13) units. Or, administrative conditional use potential for prof/med offi ces. All utilities; incl off-site, fenced storm retention pond. Enjoy sunsets & Mount Baker view from this level 37,800 SF city tract. MLS#29133170

Danya Wolf360-708-8294

XXX MOUNTAIN VIEW LANE, ROCKPORT $147,500

PRICE REDUCED. Beautiful, wooded mountainous property located in the gateway to the Cascade Mountains. Two parcels 38.55 (P31040) ac & 3.31 (P31041) ac w/possibility to subdivide into two residential buildable properties. Easy walking distance to scenic Sauk River & adjacent to Sauk River Estates. MLS#341205

Richard Dickman360-420-3155

YEAR ROUND BEAUTY! BUILD YOUR DREAM INCOME POTENTIAL! BUILD YOUR DREAM

940 HOMESTEAD DR, BURLINGTON $299,500

Fantastic home! Fantastic location! Many electrical and plumbing upgrades to this contractor’s home. Custom features, glorious kitchen; family room with fi replace; fully fenced yard with unique storage building; generous double garage. MLS#406842

Danya Wolf360-708-8294

9232 COLLINS RD, SEDRO-WOOLLEY $269,850

Awesome location in the country, cute 2 bedroom, one story 1910 farmhouse with 9+ acres and great views all around. Features Vinyl siding, vinyl windows, barn, outbuildings, fruit trees, garden space and RV parking. MLS#408349

Brett Tacker 360-840-7931

NEW LOWER

PRICE

5241 RAZOR PEAK, MOUNT VERNON $149,900

Beautifully maintained home shows pride of ownership both with interior work and outside landscaping. One of larger lots in Division V. Double garage and alley access allows for extra parking spot on site in back of yard. Lovely garden area plus separate fenced area works well as dog run and/or barbecue site. Lots of light!. MLS#246070

Sandy Everett360-202-3706

RENTAL $1250